 ever belonged to 2008 amid the financial crisis. Well, here's the problem with that. That record was set when people were losing money. Had they set the record in 07, do you know how many millionaires there'd be out there right now, Dave? Oh, yeah. They waited till the market collapsed, then they moved their money to a fixed product. And if they would have moved it the year before, they'd still be multimillionaires all over the country. Wow. And let's talk about these annuities. For the most part, they're broken into three categories, fixed, indexed, and variable.